Month: April 2019

The summer is undoubtedly the most beautiful season. The free light and the warmth of the sun are abundant and often make us sweat. Who now wants to equip his domicile with modern sun protection systems, not only keeps a cool head, but can also benefit from many favorable financing offers. Sun protection systems such as awnings and sun sails for outdoor use or roller blinds, slats and pleats for shading the interiors are equipped with the latest technologies and therefore not always cheap. But it pays to invest in good quality, because an efficient light and heat regulation can reduce the energy costs for air conditioning or heating both in summer and in winter and increase the well-being effect in the house . http://www.votelordi.org/is-it-unheard-of-a-simply-no-credit-check-mortgages/ for more.

Cheap sun protection systems

External sun protection systems such as awnings or sun sails are exposed to particularly high loads from wind and weather and should therefore be particularly stable and resistant. As a bargain or discount goods they are therefore rare to find, because who buys cheap here, will pay in the end twice. It is better to look at a professional sun protection provider, because here you can make high quality awnings according to individual needs and can also finance. Special equipment such as cassettes, electrical operation or extremely durable fabrics and constructions have of course their price, but are also the guarantee for untroubled summer pleasures and high living comfort.

Financing through small loans

Even the most expensive awning can be financed with a small loan from the house bank or by installment payment to the provider. There is therefore no reason to give up on an idyllic spot outside the front door or to finally equip the conservatory, the balcony or the garden terrace as you have longed for. On the occasion, it is also worth checking if perhaps the living room, the kitchen or the bedroom could use a few new sunshades to co-finance a few modern blinds, pleats or slats.

The credit card has a very simple operation. A certain amount is made available to the customer in the form of credit and, with the card, the customer accesses this amount and purchases, committing to pay the debit with the operator of the card on the date established for its expiration. If the invoice is paid in full, there is no interest charge. If the minimum amount is paid or no amount is paid, interest is charged on the amount due. And therein lies the danger of misuse of credit cards: by not being able to pay your debt, the client will be subject to very high interest rates.

The consigned credit card is based on the same principle of offering the customer a certain amount in the form of credit, which can be used by card. The difference is that this credit is compulsorily tied to the customer's payment and is discounted in the form of sheet, as is usually done in consigned loans.

Difference between loan and payday loan

Although both are based on direct debit payroll deduction, payroll deductible loan and paycheck deductible credit card are in some ways different in starting by their nature. While in the loan the credit converted into value is delivered directly to the requester, the credit card will be used to pay your bill, accumulated throughout the month. The practical consequence of this difference is the lower interest charge on the loan and, on the part of the card, a lower percentage of the payable wage.

When is payroll deductible credit card profitable?

If compared to overdraft, conventional credit card or even personal loan, payday loan is the best option. Because it is tied to the customer's due date, it guarantees the operator that the payment will be made, which allows the collection of interest lower than the other modalities mentioned.

In addition, by preventing late payment or even the minimum payment of an invoice, paycheck cards help to avoid excessive debt of its users, since they prevent the formation of so-called snowball debt.

Another great advantage is the absence of annuity rate, common among conventional cards. In addition, a card is possible even if the customer's name is denied to credit protection services. It is worth remembering, once again, that being tied to the payment of the customer is a guarantee strong enough for the card companies.

Is There A Disadvantage In Payroll Credit Card?

The only disadvantage is in relation to the payday loan. As already mentioned, the loan charges interest rates even lower than those of the card. Among the usual credit options, it is the only one that is currently more advantageous.

However, it is worth remembering that loan and card can have their combined use. With a limit of 35% of the wage assignment established by law, a loan of only 30% is allowed by loan, and the remaining 5% is exclusive for consignment via card.

Undoubtedly, paycheck-deductible credit cards appear as a great credit option in the market. Of simple use and advantageous for both clients and operators, this mode promises to gain more and more space.

Security and availability

Definition of LEP

The Saving Savings Account is a savings account of the family of booklets regulated by the State, reserved for people domiciled in France who do not exceed a ceiling of income which depends on the family situation of the holder.

The operation is offered by the entire banking network. It is authorized a savings book per person up to two LEP per household tax .

Revenue cap for 2015

Family quotient

Revenue cap (1)

1 part

$ 19,235

1,5 parts

$ 24,371

2 parts

$ 29,507

2.5 parts

$ 34,643

3 parts

$ 39,779

3.5 parts

$ 44,915

4 parts

$ 50,051

Additional half-share

$ 5,136

(1): based on 2014 revenues for an opening in 2015.

What to do when the tax limit is exceeded?

If you exceed the limit set by the state, you must immediately notify the bank that manages your account and request its closure within one year. (Before December 31st).

Operation and benefits of LEP

It is an operation of great flexibility of use. The minimum payment at the opening is set at € 30 only. Then, the saver pays at his own pace without constraint, within the limit of a deposit ceiling of € 7,700 . Withdrawals are possible at any time at no cost.

Namely : the amount of work in progress may be greater than € 7 700 if the interest income is recorded.

The rate is set at 1.50% for 2015 , half a point above booklet A.

Formality of opening the popular savings booklet

Attention : the maintenance of the operation is linked to your tax situation. You will therefore have to submit the tax notice each year to your bank , failing which you expose yourself to a closure by the organization.

Calculation of interest

Like all regulated booklets, interest is calculated every fortnight. Remember to make your deposit before the 15th or the 30th of the current month and, conversely, any withdrawal after these dates in order to benefit as much as possible from the profitability of your operation.

15 years of Credit Europe Bank have created the experience needed to create the optimal portfolio for the private client. Credit Europe Bank is one of the international companies that today employ over 7,000 people worldwide. With 3.5 million customers in eleven countries and well over 200 branches, this well-known bank also offers a solid investment in fixed deposits, which can certainly be described as competitive. The knowledge of the international monetary market provides an excellent basis for the best offers from which all customers can benefit.

Explained goal - customer satisfaction

Credit Europe Bank has clearly stated its intention to optimize customer relations and thus to the satisfaction of its customers. With this intention, almost all components of the portfolio are designed. The time deposit can be seen. A good and solid offer that either provides for a monthly distribution of interest or offers an annual interest distribution. This allows both short and medium term options to be exercised. Whatever the personal needs of the customer. The time deposits are also put together as customer-oriented as possible and offer the possibility to realize even the shortest terms. This is very good news for clients in each segment, as such short-term time deposits can generate attractive returns over the year.

Conditions for the deposit offer

With a minimum deposit of € 2,500, the fixed-term conditions are placed in the lower customer segment and thus specifically cover smaller investments. This is an opportunity for small customers that really does not make every bank available. The agreed interest income is binding for the entire term, which not only applies to the small fixed-term deposit, but is also consistent with the maximum investment of 250,000 euros. The customer can not complain about a lack of orientation, because with Credit Europe Bank a trusting cooperation between the customers and the Credit Europe Bank is really omnipresent. Account management takes place directly through Credit Europe Bank and is, of course, free of charge for the bank's clients.

Automatic reinvestment

At the end of the fixed-term contract, an automatic reinvestment is offered if the customer so wishes. This is often claimed when a higher-value purchase is pending or a mortgage is to be replaced by a property. Then the customer does not need to sign a new contract again. It simply integrates the interest of the then valid market situation in the existing contract and the deposit simply continues accordingly. An option that is readily accepted even with short-term fixed deposits.